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If you are looking to consolidate debts amounting to $5,360, you will need to get a credit card that offers a balance transfer option and a substantial credit line. However, in order to get approved for a high limit balance transfer card, you first need to have a good-to-excellent credit history. Also, if you have been late on any of your accounts for more that 60 days, then you might not be able to able to qualify.

If you have a high FICO score and have no late payments in your name, consider the following balance transfer cards:

More® Card – Clear and American Flag both offer a 0% introductory APR on balance transfers for 12 months, a 0% introductory APR on purchases for 6 months, no annual fees and unlimited cash back rewards. The only difference between them is the American flag design on the second card.

True Earnings® Card from Costco and American Express also offers an attractive deal on balance transfers, but it has a low introductory APR for 6 months. Their cards also feature a cash back reward program that applies to gasoline, restaurant and travel purchases.

Before you apply for any of these cards, make sure you have a reasonable debt-to-income ratio. If you already have too much debt, the card issuer might consider you a poor risk for paying back what you owe.

With good credit you can apply and get approved for some of the 0% balance transfer credit cards that are available online. However, keep in mind that if you want to transfer $8,000, you should apply for a credit card with a minimum limit of $10,000. Your ability to get approved for a $10 000 limit will depend on several factors including the amount of debt you have at the moment and your income. Therefore, the issuing bank will not be able to tell you the limit you qualify for before it takes into account everything that demonstrates your ability to pay. However, we can give you an indication of the credit limit range on each balance transfer credit card below:

The Discover More® Card and More® Card - American Flag are both created for those with very good credit who want to take advantage of a 0% introductory APR on balance transfers for 12 months. These cards offer up to $50,000 credit lines and a whole range of benefits. The only difference between these two credit cards is the American flag design on the second card. If you also intend to make purchases on these balance transfer cards, you will also be able to benefit from a 0% introductory APR on purchases and a cash back reward program. However, holding off on new expenses will help you pay off your balance faster.

If you prefer the American Express Company, consider its True Earnings® Card from Costco and American Express. However, keep in mind that it has a low introductory APR on balance transfers that is only valid for six months.

Also remember that the card you apply for should not be issued by the same company as your current credit card.

If you are still building your credit and do not have missed payments on your credit record, you can qualify for one of the Capital One cards designed for average credit.

The Capital One Platinum Card is a low APR credit card with a 0% introductory APR on purchases and a moderate annual fee. It also offers a full range of platinum benefits such as $0 fraud liability, purchase protection and many others.

The Capital One Orbitz® Visa® Platinum is great for those who wish to avoid paying annual fees and yet benefit from a 0% introductory APR on purchases at the same time. The card also features a point rewards program that offers unlimited rewards on eligible Orbitz.com bookings.

If you have late payments or other credit delinquencies in your name, you are not likely to qualify for a Capital One credit card. In this case, we suggest that you apply for the Total Visa Card from Plains Commerce Bank which is an unsecured credit card designed for bad or no credit applicants. The card features an instant decision and high-quality customer service for qualifying customers, but it carries a higher-than-average APR and requires substantial initial setup fees, in addition to annual fees.

Choose a card that suits you best and that you’re most likely to qualify for. Apply online here.

Your credit score is good enough to qualify for airline credit cards and we can suggest you to review some of the most popular credit cards with air miles designed for customers with good and excellent credit.

The Miles by Discover Card® will be a good choice for you. Not only does this card come with favorable features, but it also provides a very flexible rewards scheme. This card gives 1 mile per $1 spent on all your purchases. If you spend $3,000 in travel and restaurant purchases each year, you will be rewarded with double miles. The great thing about this card is that it allows you to book any travel, any time with no blackouts and seat restrictions, plus it has competitive interest rates and no fees.

If you often fly with Delta Airlines or its partners, you may wish to consider the Gold Delta SkyMiles® Credit Card. This card also gives 1 mile per dollar spent on your purchases. But the real gem of this card is the ability to get a large amount of bonus miles. You can get 20,000 bonus miles with your first purchase and 5,000 bonus miles after adding two additional users. You do not have to accumulate a specified amount of miles to start redeeming them. You can pay with your miles for all or part of your airline tickets. It's really very convenient, especially for those who travel a lot.

Alternatively, you may review the No Hassle Miles℠ Rewards from Capital One. This no-fee card gives 1.25 miles per every dollar spent on your purchases. There's no limit on the air miles you can earn with this card and you can redeem your miles for flights with any airline with no blackouts and restrictions.

Take your time to compare these airline credit offers, their features and terms. Select the card that best fits your requirements and apply for it online!

The best way to improve your credit score is to fix your payment history. It may sound weird but if you want to improve your score to get a card, you need to apply for a credit card first. The key is to apply for the right card. If your FICO is low, you should choose the card that requires your credit. If you have less than perfect credit, you should take a closer look at the applications for bad or no credit.

Judging by your words, you've got very low credit scores. When applying for a credit card, we all want to be approved. However, the issuers of unsecured cards may reject you without explanation and it may negatively affect your score.

Not the same situation with secured cards. These cards generally come with no income or credit requirements, so you're likely to be approved. We suggest you to review the most popular secured credit card applications designed specifically for those with bad or no credit. Look through these offers and apply for the card that best fits your financial needs.

You can apply for one of the secured credit cards intended specifically for people with bad credit history and those who are new to credit. Secured credit cards don’t require your credit records information that means you can be approved regardless of your credit history.

In order to get a secured card, you’ll need to fulfill just minimum requirements. You’ll have to be a resident of the US at least 18 years old, have a Social Security Number (SSN), and make a security deposit that can be charged by the bank in case you fail to repay your credit card debt. Besides, if used properly, secured cards may help you establish your credit history faster because they generally come with a credit bureau reporting option. On the whole, a secured card works just like an unsecured credit card and is a perfect payment tool for making purchases, traveling, and so on.

Take your time to compare the best secured credit cards featured here and pick out the one that suits you most.